Did a story for the Ledger-Sentinel (although corporate has apparently decided to just call it the Ledger these days) a few weeks ago that recapped the most recent U.S. Department of Agriculture farm census for Kendall County.

This most recent national farm census was taken in 2012, with the results finally released in 2014. I’d been thinking of doing a piece about it around the time it was to be released, but then the whole thing slipped my mind until late spring this year.

Farm censuses have been taken for almost 200 years now, with the first one taken by the U.S. Census Bureau in 1820 as part of the regular decennial population census. That was the practice until 1950, when the census bureau started collecting farm data only in years ending with 4 and 9. In 1978, that was changed to taking the farm census in years ending in 2 and 7. Finally, in 1997, Congress moved responsibility for collecting farm data to the USDA—which seemed pretty logical to me—and keeping the requirement to collect the data in years ending in 2 and 7. Thus the 2012 census.

When I finally got the data entered into my trusty spreadsheet, I have to admit being surprised—astonished, really—at the amount of farmland the census showed had been lost to development in the five years prior to 2012.

Kendall is the only non-Collar County to border on three of the six Chicago metro region Collar Counties, putting it in the perfect spot to absorb overflow population from fast-growing Kane, DuPage, and Will counties.

Previously, the largest amount of farmland lost to development had been the 8,313 acres lost between 1992 and 1997.But between 2007 and 2012, Kendall County lost an astonishing 37,131 acres of farmland to development. In the 57 years prior to 2007, the county had only lost a total of 28,365 acres to developme

Granted, it was clear that the county’s strong growth was going to catch up with it sooner or later. Between 1990 and 2010, Kendall County’s population grew from 39,413 to nearly 115,000. My hometown of Oswego went from 3,914 to 30,303 during the same period.

But in the five years between 2007 and 2012 the biggest recession since the Great Depression hit the nation, and it hit Chicago’s collar counties particularly hard. It’s an indication of just how frenetic the financial industry was driving inflation of the nation’s housing bubble in the years immediately prior to the crash of 2008. Billions of fraudulent dollars were changing hands as vast tracts of farmland in Chicago’s hinterland were purchased, subdivided, and developed. Infrastructure—streets, curbs, gutters, water and sewer lines—was being pushed as developers rushed to provide the new homes the financial industry required to keep the bubble inflated through a whole host of actions that ranged from simply unethical to downright illegal.

It took a while for the development train wreck to come to a standstill and the dust to settle. When it did, not only had a bunch of productive farmland been sold for development, but also vast swaths of it had been covered with all that infrastructure listed above. And that meant that while some land sold for development could still be farmed because it was vacant, a lot of it simply could not.

The disappearance of so much farmland capped a long-term period of population growth in Kendall County, particularly in its northern three townships, but also in the county’s eastern tier of three once almost entirely rural townships. Oswego, situated in Kendall’s northeast corner, is a member of both groups.

NaAuSay and Seward townships, situated directly south of Oswego, until this most recent flood of growth hit in the 1990s, had no municipalities in their boundaries. But then Plainfield began expanding across the eastern border of NaAuSay Township, while Joliet and Minooka began intruding into Seward. And that’s how come some residents of Joliet and Plainfield send their children to Oswego schools. It’s also one more reason why so much farmland was lost to development in the five years prior to 2012.

The northern tier of Kendall’s townships—Little Rock, Bristol, and Oswego—had been undergoing growth for years prior to the inflation of the housing bubble. Oswego and Bristol, especially, were the subject of growth hurtling down the corridor along U.S. Route 34—called Ogden Avenue east of the Kendall County border—that accelerated to extraordinary levels after the construction of the huge Waubonsie Interceptor sewer line. The 60” diameter sanitary sewer line was built down the Waubonsie Creek valley from what was then called the Fox Valley Mall to Montgomery, where it crossed the Fox River to the Fox Metro Water Reclamation District’s treatment plant.

As soon as adequate sanitary sewer capacity was available, residential and commercial growth along the Route 23 corridor in Kendall County exploded. Why? For the same reason folks found the county a good place to live way back in the 1830s. Back then, the search was on for cheaper land that was good for farming in a location not too far away from the Chicago market that even in the early 1830s had begun to grow. As soon as U.S. Army engineers figured out how to drive a permanent channel through the sandbar at the mouth of the Chicago River, creating for the first time a safe harbor for Great Lakes shipping, that growth turned exponential.

The Chicago region’s population grew outward from the Lake Michigan shore, first spurred by the Chicago, Burlington & Quincy’s commuter line that terminated at Aurora, and then after World War II by the web of multi-lane limited access expressways that stretched from Chicago north, south, and west.

Oswego Township was picked for industrial development in the early 1950s, with sprawling Caterpillar, Inc. and Western Electric plants built. Plenty of land was available at relatively low prices in the area that was outside the Chicago metro area, but close enough, and with the necessary rail connections industry of that era required.

And at the same time, developer Don L. Dise, hearing about the coming construction of those facilities, decided Oswego Township was the perfect spot to build Kendall County’s first super subdivision. He picked the huge Boulder Hill Stock Farm, owned by the Bereman family, as the location for his development, located right across the Fox River from the new Western Electric and Caterpillar plants, figuring the plants’ workers would need housing. Eventually, the Cat plant alone employed more than 7,000.

Calling his new planned development Boulder Hill after the former livestock farm, Dise proposed building out neighborhoods to attract all economic levels, from executives to factory workers. And he succeeded, attracting an eclectic mix of new homeowners, from CB&Q executives to Caterpillar and other local factory line workers, with most of the first homes financed thanks to the post-World War II GI Bill. Not only did the GI Bill promote home ownership, but it also encouraged veterans to get college degrees, which allowed the millions who served in the war to move up to better jobs, and then buy brand new houses from Dise and other developers.

The first families moved into their new Boulder Hill homes exactly 60 years ago.

The late 1950s was the county’s first big spasm of growth. Between 1950 and 1960 Oswego Township’s population doubled. Then it doubled again between 1960 and 1970. As growth to the east continued to accelerate even faster, refugees from Cook and DuPage counties looking for cheaper housing, less traffic, and a small town atmosphere, continued to move into Kendall County, but growth was relatively restrained until the Waubonsie Interceptor literally opened the floodgates.

And that touched off the next era of growth that both flowed and ebbed several times before the financial industry, with the help of Congress and President Bill Clinton, who removed regulations that had kept it to reasonable levels, hit on the idea of securitizing mortgages. Not only did they securitize mortgages, they also figured out how to defraud the entire real estate financing system by methods ranging from forcing appraisers to artificially inflate existing home values to require bigger loans to gaming the home loan system itself to allow mortgages to be awarded to those who could not afford them. Which was fine, because the goal was not to make money off house payments, but rather by selling the mortgages (sometimes several times), bundling them, and dividing them into batches so they could be securitized into bonds for sale to investors. Since the bond rating agencies were in on the fraud and since government was not allowed to regulate the bonds, the amount of farmland purchased at greatly inflated prices in order to feed the need for more and more mortgages to be sliced and diced and sold to suckers was substantial.

In Kendall County alone, it amounted to that 37,000 acre loss in just five years mentioned above. As the bubble inflated between 1990 and 2010, Kendall County’s population tripled. In fact, according to the U.S. Census Bureau, between 2000 and 2007, Kendall was, in percentage terms, the fastest growing county in the nation.

Then the crash came, but here we sit nonetheless.

And what happened to all those farmers as land was gobbled up by developers? Glad you asked. More later…